,some -- somewhere between 3 and 8 million more will lose their homes if we don't do something. it's not in the rearview mirror, in fact, it's out in front of us. there's lots of con we think sos, obviously. first and foremost, it's the families themselves who are disrupted and taken from their homes, and it's worth just thinking about these numbers for a second. i mean, we're talking about three or four or five million more families, that's as many as 20 million more americans. why it's a problem, mike also alluded to, when you're underwater, your behavior changes. you don't spend as much money on anything. the only thing you consume more of, by the way, is health care. because under the stress, you find when you look at those numbers, that's the thing that goes up. so the costs are significant both to the family, but i'd argue to society and, obviously, to the communities in which these people live. foreclosures cost both hard dollars and soft dollars. there are property tax issues, so i say the consequences are felt by all of us. >> mr. miller, do you have anything to add to tha
